Worried You're Never Going to Be Able to Retire?

Some people spend more time thinking about retirement than others, but most everyone has at least a few ideas about what their life will be like when they don't have to work anymore.

Unfortunately for many, hoping and dreaming is about as far as they get in the planning process. They don't know whether they can really achieve their goals because they haven't taken the steps necessary to prepare for them.

If that sounds like you, and you're anywhere close to the age you think you'd like to be when you retire, let me warn you: Your retirement reality could be far different from the lifestyle you've imagined. And if it is, it likely will be because you ignored one or more of these five basic threats:

Threat No. 1: Unclear plans.

This threat is especially difficult for married couples transitioning to retirement. It's amazing how far apart two people who've lived together for years can